Altis
Altis is a Brazilian API-first embedded credit infrastructure platform enabling vertical SaaS, marketplaces, and fintechs to offer lending products via white-label integration. Operating as a regulated banking correspondent, it provides AI-powered credit decisioning, vehicle inspection, and multi-product lending across automotive, BNPL, and payroll-linked credit verticals.
- Company typePrivate
- Founded2023
- HeadquartersSão Paulo, Brazil
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Altis does
Altis is a Brazilian embedded finance infrastructure company founded in 2023 and headquartered in São Paulo that provides an API-first platform enabling vertical software platforms, marketplaces, fintechs, and originators to embed credit products directly into their workflows. The company operates as a regulated banking correspondent under CMN Resolution 3.954, partnered with SOCINAL S.A., BMP, and Money Plus SCMEPP, allowing it to originate loans without holding its own financial institution license. Its core technology centers on a proprietary AI-powered Credit Engine that performs real-time underwriting decisions in under 100 milliseconds by aggregating data from 15+ sources including Serasa, Equifax, Jusbrasil, Itaú, Santander, and Safra via Open Finance, augmented by explainable AI models and a drag-and-drop visual decision tree editor.
The product suite spans the embedded lending value chain: the Credit Engine for decisioning, Altis Vistoria for AI-powered digital vehicle inspection with computer vision and OCR, plus white-label modules for BNPL, Auto Equity, Vehicle Financing, FGTS Advance, Personal Loans, and Payroll-Linked Credit. Revenue is generated through a mix of commission on interest revenue from originated credit (claiming up to 7x traditional referral economics), per-inspection fees for Altis Vistoria (R$4.50-R$7.90 per vistoria with volume tiers), securitization structuring fees, and API usage fees. Customers include enterprise platforms such as Kavak, Amazon, and Saga alongside fintechs (Bankuish, Uruk Capital) and mobility players (Mottu, Turbi). The company is backed by Latitud, Magma Partners, and 99 Startups following a $2.58M seed round in April 2025.
Altis firmographics
Firmographics- Name
- Altis
- Legal name
- Altis
- Website
- https://altis.online
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Altis is a Brazilian API-first embedded credit infrastructure platform enabling vertical SaaS, marketplaces, and fintechs to offer lending products via white-label integration. Operating as a regulated banking correspondent, it provides AI-powered credit decisioning, vehicle inspection, and multi-product lending across automotive, BNPL, and payroll-linked credit verticals.
- Ownership category
- akta.pro rank
Altis industry classification
Industry- Product category
- Embedded Finance Infrastructure / Lending-as-a-Service
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518), Funds, Trusts, and Other Financial Vehicles (525)
- SIC
- Services-Prepackaged Software (7372), Finance Services (6199)
- akta.pro primary industry
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
- akta.pro secondary industries
- Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), Embedded/Platform Neobanks (Banking-as-a-Feature) (FSABAFAF)
Keywords
Where Altis is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Altis business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Commission on Interest Revenue: Partners earn commission on interest revenue generated from credit operations originated through their platform. Commission structure is up to 7x compared to traditional commission models.
- Credit Engine API Integration Fees: Revenue from API-based credit decision engine integration, processing fees for real-time credit analysis and decisioning.
- Securitization as a Service: Structuring fees for transforming credit portfolios into liquidity through custom securitization vehicles (FIDC), senior/subordinated tranche modeling, and structured products.
- Altis Vistoria Per-Inspection Fees: Per-vistoria (inspection) pricing tiers: Starter at R$4.90/vistoria, Professional at R$4.50/vistoria, Advanced Analysis at R$7.90/vistoria. Plus R$0.99 per additional analysis item.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Starter - Entry tier for small operations and testing |
| Unit Pricing | Pay-as-you-go | Professional - Mid-tier for banks, fintechs, and insurers |
| Unit Pricing | Pay-as-you-go | Advanced Analysis - Premium AI analysis with vehicle evaluation |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels5 records
Altis product offering
Product offeringCore offering
Altis is an API-first embedded finance infrastructure platform that enables vertical software platforms, marketplaces, fintechs, and credit originators to offer lending products via white-label or branded integration. The company provides an AI-powered credit decision engine, a digital vehicle inspection solution (Altis Vistoria), multi-product credit configuration (vehicle financing, personal loans, BNPL, payroll-linked credit, FGTS advance, auto equity), and securitization services, orchestrated through correspondent banking partnerships with regulated financial institutions in Brazil.
Product overview
Altis is an embedded finance infrastructure company offering a platform-plus-modules architecture centered on its AI-powered Credit Engine and Altis Vistoria inspection solution. The platform provides infrastructure for embedded lending enabling companies to offer credit products (vehicle financing, BNPL, personal loans, FGTS advance, auto equity) directly within their operational workflows. Core offerings include the Credit Engine for real-time AI-powered credit decisioning, Altis Vistoria for digital vehicle inspection with computer vision, and an Embedded Lending Platform supporting white-label deployment. Additional financial products are structured through regulated partner institutions including SOCINAL S.A., BMP, and Money Plus SCMEPP LTDA. The company operates as a correspondent banking platform orchestrating regulated financial institutions and institutional capital.
Differentiator
Problem solved
Functional benefit
Brands
- Altis Vistoria: AI-powered digital vehicle inspection system for automated damage detection, fraud prevention, and collateral validation used in financing and insurance operations.
- Credit Engine
Products and services
- Credit Engine (Motor de Crédito) AI-powered credit decision engine providing real-time credit analysis via REST API with sub-100ms response time, explainable AI models, and configurable policy rules for multiple credit markets including vehicles, motorcycles, personal loans, payroll-linked credit (consignado), real estate, and BNPL. Designed for vertical software platforms, fintechs, marketplaces, and credit originators.
- Altis Vistoria 100% digital and AI-automated vehicle inspection solution enabling self-service photo capture via smartphone for financing, refinancing, or insurance analysis. Uses computer vision, deep learning, and OCR to detect damages, validate authenticity, prevent fraud, read plate and chassis, and provide a 95/100 condition score. Includes Starter (R$4.90/vistoria), Professional (R$4.50/vistoria), and Advanced Analysis (R$7.90/vistoria) tiers.
- Embedded Lending Platform Full infrastructure platform enabling companies to integrate financial services including credit and lending products directly into their sales and operational workflows with white-label options. Supports multi-product configuration across verticals (vehicles, personal loans, BNPL, payroll-linked credit, FGTS advance, auto equity) with correspondent banking orchestration through SOCINAL, BMP, and Money Plus.
- BNPL (Buy Now, Pay Later) Installment payment solution integrated into checkout flows that increases conversion rates and average ticket size with deferred payment options without requiring a credit card. Deployed through white-label integration for e-commerce and retail platforms.
- Auto Equity (Refinanciamento Veicular) Vehicle-backed refinancing product that unlocks equity value in vehicles with reduced rates, extended terms, and simplified approval for capital release. Deployed through embedded lending workflows for automotive marketplaces and dealerships.
- Financiamento Veicular (Vehicle Financing) Vehicle financing solution with agile credit analysis and flexible terms designed for dealerships and marketplaces to increase profitability and distribution channel value. Deployed via embedded lending integration with correspondent banking support.
- Antecipação de FGTS (FGTS Advance) FGTS (Fundo de Garantia do Tempo de Serviço) balance-based liquidity advance solution providing immediate cash access without monthly budget impact to increase user satisfaction and retention. Deployed as an embedded product offering.
- Empréstimo Pessoal (Personal Loan) Personal loan solution with competitive rates and simplified digital journey supporting customers or employees at key moments with low risk and high scalability. Distributed via correspondent banking partnership.
- Securitization as a Service Structuring service that transforms credit portfolios into liquidity through customized securitization vehicles and structured products. Includes senior/subordinated tranche modeling, FIDC (Fundo de Investimento em Direitos Creditórios) setup, and optimization of capital to scale financial operations. Targeted at credit originators and institutional investors.
Quantifiable outcome
- 40% increase in credit approval rates (from 65% to 89%)
- +7 more outcomes
Companies that use Altis
Customer profileNamed customers10 records
Segments5 records
Ideal customer profiles5 records
Altis technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability8 records
Feature8 records
Altis partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and supporting.
- SOCINAL S.A. – Crédito, financiamento e investimentocorePrimary correspondent banking partner. Altis acts as digital correspondent for SOCINAL, facilitating loan contracting processes under Resolution CMN nº 3.954. SOCINAL provides the balance sheet and regulatory license while Altis provides the technology and orchestration layer.
- BMP SOCIEDADE DE CRÉDITO AO MICROEMPREENDEDOR E EMPRESA DE PEQUENO PORTE LTDAcoreCorrespondent banking partner specialized in microentrepreneur and small business credit. Enables Altis to offer credit products to SMB segment through BMP's regulatory framework and funding capacity.
- MONEY PLUS SCMEPP LTDAcoreCorrespondent banking partner for SCMEPP (Microentrepreneur Credit Company). Expands Altis' reach into micro and small business lending through Money Plus regulatory and funding infrastructure.
- Serasa ExperiancorePrimary credit bureau integration providing credit history data, score information, and restriction checks for credit decisioning engine.
- EquifaxcoreCredit bureau integration for alternative credit data and scoring models to enrich underwriting decisions.
- Itaú UnibancocoreFinancial institution integration for Open Finance data access and institutional capital connectivity. Provides data enrichment and potential funding access for credit operations.
- Santander BrasilcoreBank integration for Open Finance connectivity and institutional funding. Enables data enrichment and multi-institution credit processing.
- SafracoreFinancial institution integration for credit data access and capital market connectivity within the Altis credit engine ecosystem.
- JusbrasilsupportingLegal data provider integration providing court records, legal proceedings, and judicial data for enhanced risk assessment and fraud prevention.
Scale indicators13 records
Recent moves6 records
Expansion highlights5 records
Altis competitors and assessment
Company assessmentEmerging players
- Kueski: Mexico-based online lender and BNPL provider using AI-driven alternative credit scoring. Comparable AI-first credit decisioning and LatAm presence, though operates more as a direct lender than as embedded infrastructure.
- Cobre: Colombian B2B financial infrastructure provider offering embedded accounts, payments, and lending rails via API. Adjacent emerging player targeting LatAm vertical SaaS platforms with comparable B2B2C distribution strategy.
Broad incumbents
- Galileo Financial Technologies: US-based (SoFi-owned) payment processing and credit infrastructure platform serving fintechs and banks globally. Comparable in API-first embedded finance infrastructure at scale, though broader scope than Altis's credit focus.
- Marqeta: US-listed card-issuing and embedded payments infrastructure provider serving fintechs and digital banks. Comparable API-first B2B embedded finance model with public-company scale, though focused on card issuing rather than credit decisioning.
Direct peers
- Belvo: LatAm open finance API platform connecting lenders and fintechs to bank/bureau data for credit decisioning, KYC, and payments. Directly comparable in Open Finance data enrichment layer and embedded credit use cases across Brazil and Mexico.
- Pismo: Brazil-based cloud-native banking and issuing platform (acquired by Visa for $1B in 2023) that enables embedded financial services via APIs. Highly comparable as a Brazilian embedded finance infrastructure play, though Pismo focuses on core banking/issuing rather than credit decisioning.
- Pomelo: LatAm fintech-as-a-service platform providing card issuing, accounts, and lending infrastructure via API. Comparable B2B2C embedded finance model serving neobanks and fintechs across Brazil, Mexico, Argentina, and Colombia.
- Kredito: LatAm embedded lending platform originating credit through marketplace and SaaS partners, with strong presence in Mexico and Brazil. Closest comparable in the embedded B2B2C lending niche and digital correspondent banking structure.
Regional players
- Cora: Brazilian SMB-focused neobank providing digital accounts, card issuing, and working capital credit. Comparable Brazilian B2B fintech with embedded credit offering, though distributed directly rather than via partner embedding.
- Conta Simples: Brazilian B2B neobank for SMBs offering corporate accounts, payments, and credit products. Comparable in Brazil-focused B2B financial services infrastructure, though more focused on SMB banking than marketplace embedding.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Altis social profiles
Digital presenceAltis compliance and trust
Trust signalCompliance4 records
Altis financial estimates
Financial estimateRevenue estimate
Valuation estimate
Altis leadership team
Management profileNumber of profiles
Profiles2 records
Altis funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Altis M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Altis
What does Altis do?
Altis is an API-first embedded finance infrastructure platform that enables vertical software platforms, marketplaces, fintechs, and credit originators to offer lending products via white-label or branded integration. The company provides an AI-powered credit decision engine, a digital vehicle inspection solution (Altis Vistoria), multi-product credit configuration (vehicle financing, personal loans, BNPL, payroll-linked credit, FGTS advance, auto equity), and securitization services, orchestrated through correspondent banking partnerships with regulated financial institutions in Brazil.
Is Altis a public or private company?
Altis is a private company. It is classified as venture growth investor backed and is currently operating.
When was Altis founded?
Altis was founded in 2023. It employs 11 to 50 people.
Where is Altis based?
Altis is headquartered in São Paulo, Brazil, in the Latin America region.
How does Altis make money?
Four revenue lines are on record. Commission on Interest Revenue is the primary driver. The others are credit Engine API Integration Fees, securitization as a Service and altis Vistoria Per-Inspection Fees.
Who are Altis's main competitors?
Emerging players on record are Kueski and Cobre. Broad incumbents are Galileo Financial Technologies and Marqeta. Direct peers are Belvo, Pismo, Pomelo and Kredito. Regional players are Cora and Conta Simples.
Does Altis have an API?
Yes. Altis provides a REST API for credit engine integration, vehicle inspection (Vistoria), and embedded lending operations. The API supports low-latency processing (<100ms), integration with multiple data sources (credit bureaus, financial institutions), real-time credit decisioning, and white-label embedding. Developer resources are available at dev.altis.online. Developer documentation is at dev.altis.online.
What industry is Altis in?
Altis's product category is Embedded Finance Infrastructure / Lending-as-a-Service. Its primary akta.pro industry code is FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines), with a secondary code of FSAGALAK, Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes). Its NAICS code is 518 and its SIC code is 7372.